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Home Loan was started to help our customers achieve their goals, and we're proud of our track record. But don't take our word for it. Here's what some of our customers have to say:

"Working with Mario [Loan Originator] at Home Loan Investment Bank made the often rocky road of refinancing smooth and almost easy. Once we sent our information to Mario he reviewed it quickly, and promptly let us know if anything was missing. We were in Arizona, the property we were refinancing was in Maine, and Mario was in Rhode Island, but working with Mario was like working with a next door neighbor!"

– Dave M.

 "In this day and age, it is rare to find true kindness, consideration and courtesy. Emily [Loan Originator] was all of those things and more. I just wanted you, her manager, to know what a really excellent job she did for us. Thank you.

– D. Gayle & Robert W.

"This is just to thank you for all of your help. We finally closed on the houses! Please know that we are very thankful to you for helping us achieve a 'new' dream in America. My husband came to America 18 years ago with one dollar in his pocket and now he owns three houses... thanks to Home Loan Bank."

– Carolina B.

"Thanks to Kristin [Loan Originator] and your bank loan, this New Year is certainly looking brighter for me and my children. I know that I am one of the many thousands of people your bank deals with on a daily basis, but I never felt like a number or an account."

– Maggie C.

"I am writing to thank your for the opportunity for us to finally bring our previously high mortgage rate down. Due to financial difficulties over the past several years, until now we have been unable to do so. The opportunity your institution has made available for us is making all the difference in us securing our financial future."

– Karen T.

 "Thank you so much for all your help on our recent loan. Your professionalism, knowledge and great customer services made it all happen."

 – Frank and Eileen S.

"I closed on a home refinance with Home Loan Investment Bank in May. Mario [Loan Originator] made the process easy and painless. Mario and Home Loan were great to work with. It was just like your neighborhood bank on the phone and over email, and they were always available to move the process forward. This was truly a once in a lifetime refinance opportunity. I have the same monthly payment for a 15 year fixed mortgage versus my old 30 year fixed mortgage. Thank you. "

– Nils M.

"Thank you for superior professionalism and just plain human compassion throughout my refinancing process."

– Sonja S.

"I have been a Real Estate Broker for over 24 years, dealt with a lot of banks, bankers and brokers and I have never been treated so kindly."

– Evelyn B.

"Lance [Loan Originator] was extremely helpful, answered all of our questions promptly, whether asked by phone or fax, and his attention to detail and follow up were commendable. It may be a level of excellence that you expect from all of your agents, but we found it exceptional and worthy of comment."

– Harold S.

"We have told other people about the great way we were treated and about the smooth refinancing experience your company and Emily [Loan Originator] provided and have referred them all to you for help in refinancing their home."

–Gay and John B.

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Three ways to save on your spring home improvement project

Posted on Wednesday, April 25, 2012 at 4:31:47 PM

If you’re in the mood for a change, consider taking on a home improvement project. Not only can a renovation spruce up the design of your property, it can also increase the value of your home.

If you’re afraid of the costs associated with remodeling projects, consider using these tricks and tips to reduce the amount of home improvement financing you need.

1. Buy the materials yourself. If you know exactly what you want, plan ahead and buy the materials yourself. According to Pablo Solomon, an artist and designer who helped his father repair and restore homes, contractors will often mark up the price of items such as countertops and cabinetry. A homeowner could save up to 25 percent if they purchased the materials themselves, reports Fox.

2. Shop smart and buy discounted materials. The internet can provide access to salvage warehouse websites, recycled materials and classified ads for businesses that specialize in providing consumers with discount items. The news source recommends websites such as and as well as ReStores for Habitat for Humanity.

3. Donate trash. A large cost associated with remodeling projects is trash and material removal. Therefore, consider inviting organizations such as Habitat for Humanity to come in and remove fixtures and appliances if they are in decent condition.

"About 85 percent of a house is reusable," B.J. Perkins, Habitat's ReUse program manager, in Austin, Texas, told This Old House. "We can do a total takedown, or do a cherry-pick job and take the cabinets, the tub, the sink, and so on."ADNFCR-16001052-ID-800761189-ADNFCR